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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $533,360 | $160,070+233.2% | $147,117+262.5% | $145,897+265.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.94% | 98.69%-86.7pp | 420.54%-408.6pp | 552.29%-540.3pp |
| Employer contribution / active EE | $2,615 | $5,285-50.5% | $4,932-47.0% | $4,663-43.9% |
| Participant deferral / active EE | $16,460 | $8,419+95.5% | $8,065+104.1% | $6,689+146.1% |
| Admin fee / account holder | $2,256 | $15,035-85.0% | $12,993-82.6% | $13,390-83.2% |